It’s easy enough to do, getting carried away during the festive season and spending way too much money on your credit card, or overspending on your overdraft, but it can be very scary in the sober light of day of the New Year! We have all been guilty of thinking we can be really generous at Xmas, buying expensive presents for our loved ones, but it can all come to a sticky end when we need to pay off our credit cards or our overdraft.

This is when it is good to know we have the professionals at Future Finance to help us get rid of some of these expenses. A debt consolidation loan can put you back in control of your finances. When you have multiple repayments to juggle like credit cards and hire purchases, staying on top of things isn’t easy. Future Finance can help you simplify your life and save your money by combining your debts into one competitive, easy to manage payment.

Future Finance is committed to being a responsible lender. They are a registered Financial Service Provider, and are governed by the Commerce Commission, under the Credit Contracts and Consumer Finance Act (CCCFA). Before they assess that you are eligible for a loan, they make reasonable enquiries to verify your financial situation, and understand why you need a loan.

This includes verifying your income and expenses, reviewing 90 days of your bank transaction history and asking the purpose for your loan. Based on the enquiries and verification that they have made, they won’t offer you a loan if they believe it’s unsuitable for you. If you are eligible for a loan, they disclose a full breakdown of all your fees and repayments before you confirm your loan.